Guides
Repayment plans
Choosing, switching and understanding what you pay each month.
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Repayment plans
7 August 2026
8 min read
Repayment Assistance Plan (RAP) explained
How RAP calculates your student loan payment, what it forgives after 30 years, and which borrowers end up worse off under it than the plan they left.
Repayment plans
7 August 2026
5 min read
RAP vs IBR: which costs you less?
For most borrowers with access to both, IBR gives a lower monthly payment than RAP at the same income. The math, the exceptions, and how to check yours.